Do you want to save money by buying cheaper Subaru Crosstrek insurance in Phoenix? Are you regretting buying an overpriced auto insurance policy? Trust us when we tell you there are many Phoenix drivers thinking the same thing.
Astonishng but true according to a recent study, the vast majority of auto insurance customers have remained with the same auto insurance company for four years or more, and nearly half have never even compared quotes to find cheaper rates. Arizona consumers could save an average of $730 each year just by getting comparison quotes, but they just don’t understand how much they could save if they just switched companies.
Due to the abundance of options when it comes to auto insurance, it is very difficult to locate a more affordable auto insurance company.
It’s a great practice to check auto insurance prices every six months since prices tend to go up over time. Just because you found the best rates on Subaru Crosstrek insurance in Phoenix on your last policy a different company probably has better rate quotes today. There are lots of tips to save on Crosstrek insurance online, but you can learn a lot of great tips on how to put money back in your pocket.
When quoting car insurance, remember that getting more free quotes will increase your chances of finding the best offered rates. Some insurance companies are not set up to provide Phoenix Crosstrek insurance quotes online, so you need to compare prices from them, too.
The companies shown below offer quotes in Phoenix, AZ. If the list has multiple companies, we recommend you visit as many as you can in order to get a fair rate comparison.
Don’t neglect these discounts on Subaru Crosstrek insurance in Phoenix
Auto insurance is easily one of your largest bills, but you can get discounts that you may not even know about. Some trigger automatically at quote time, but less common discounts must be specifically requested prior to getting the savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% depending on your auto insurance provider.
- Passenger Safety Discount – Factory air bags may earn rate discounts as much as 30%.
- Discount for Swiching Early – Select companies give a discount for buying a policy early. You could save around 10% when you buy Phoenix car insurance online.
- Drivers Education – Have your child successfully take a driver’s education course in high school.
- Homeowners Savings – Being a homeowner can help you save on auto insurance since owning and maintaining a home is proof that your finances are in order.
As a sidenote, most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, that’s just not realistic.
The best auto insurance companies and their offered discounts are included below.
- Progressive discounts include homeowner, online quote discount, continuous coverage, good student, and online signing.
- SAFECO offers discounts including safe driver, multi-car, teen safe driver, anti-theft, homeowner, and anti-lock brakes.
- American Family may offer discounts for defensive driver, TimeAway discount, Steer into Savings, good student, mySafetyValet, and early bird.
- MetLife offers discounts for defensive driver, accident-free, good driver, claim-free, multi-policy, good student
- GEICO may include discounts for multi-vehicle, emergency military deployment, driver training, defensive driver, five-year accident-free, federal employee, and multi-policy.
- The Hartford has savings for anti-theft, good student, driver training, vehicle fuel type, and air bag.
Check with all companies you are considering how many discounts you can get. Savings may not apply in Phoenix. For a list of auto insurance companies with the best discounts in Arizona, follow this link.
How do Car Insurance Companies Determine Subaru Crosstrek Insurance Premiums?
Part of the insurance buying process is learning the different types of things that help determine your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you much lower annual insurance costs. Many different elements are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, but some are not quite as obvious such as your credit history or how financially stable you are.
Marriage can lower rates – Being married actually saves money when shopping for insurance. Having a significant other generally demonstrates drivers are less irresponsible it has been statistically shown that married couples file fewer claims.
Avoid unnecessary incidental coverages – Policies have extra bells and whistles you can purchase on your Crosstrek policy. Coverage for things like coverage for rental cars, high-cost glass coverage, and Farm Bureau memberships are some examples. The coverages may be enticing when buying your policy, but if you have no use for them remove them from your policy.
Do you qualify for a multi-policy discount? – Most larger insurance companies apply better rates for people who have multiple policies with them in the form of a multi-policy discount. This can amount to ten percent or more. Even with this discount applied, it’s in your best interest to check prices from other companies to help ensure you have the lowest rates.
Low mileage costs less – Driving more miles in a year’s time the higher the price you pay to insure it. The majority of insurers apply a rate based upon how the vehicle is primarily used. Cars and trucks that have low annual miles cost less to insure compared to those used for work or business. Verify your declarations sheet shows annual mileage, because it can save money. An improperly rated Crosstrek is just wasting money.
Better prices with anti-theft devices – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
You may require the services of an insurance agent
A lot of people still like to sit down and talk to an agent and that is a personal choice. The best thing about getting online price quotes is the fact that you can find the lowest rates and still have an agent to talk to. Supporting local insurance agencies is especially important in Phoenix.
Once you complete this quick form, your insurance coverage information is emailed to local insurance agents that can provide free Phoenix car insurance quotes for your business. It’s much easier because you don’t need to find an agent because prices are sent to you directly. You can get cheaper insurance rates AND an agent nearby. If you have a need to get a rate quote from a specific company, you would need to jump over to their website and fill out the quote form the provide.
Pick the best auto insurance agent in Phoenix for you
When narrowing the list to find local Phoenix agents, it’s helpful to know the types of agencies and how they function. Insurance agents are considered either independent (non-exclusive) or exclusive.
Independent Insurance Agents (or Brokers)
Independent agencies do not sell for just one brand so they can insure your vehicles through many different insurance companies and help determine which has the cheapest rates. If prices rise, an independent agent can move your coverage which is easy for the insured.
When comparing insurance rates, we highly recommend that you include price quotes from independent agents so that you have a good selection of quotes to compare.
Featured below are independent agencies in Phoenix that can possibly get you free insurance rate quotes.
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
Exclusive Insurance Agencies
These agents can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies are very knowledgeable on their company’s products and that allows them to sell at a higher price point.
The following is a list of exclusive agencies in Phoenix that are able to give comparison quotes.
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Picking an auto insurance agent shouldn’t rely on just a cheap price quote. Any agent in Phoenix should be willing to answer these questions.
- Do they make recommendations based only on price?
- Will you work with the agent or an assistant?
- How is replacement cost determined on your vehicle?
- Which company do they place the most coverage with?
- Is the agency covered by Errors and Omissions coverage?
- What is the financial rating for the quoted company?
After you get answers to your satisfaction to any questions you may have as well as cheap Crosstrek insurance quotes, you’ve probably found an auto insurance agent that can be relied on to properly insure your vehicles. Just keep in mind you are entitled to terminate your policy whenever you choose to so never feel you’re contractually obligated to a policy for any length of time.
Buyer beware of auto insurance advertising tricks
Popular auto insurance providers such as Progressive, Allstate and GEICO endlessly run television, radio, and online ads. All the ads convey the message that people will save after switching to their company. How does every auto insurance company give you a lower rate on Subaru Crosstrek insurance in Phoenix? It’s all in the wording.
Companies provide the lowest rates for the type of driver that earns them a profit. A good example of a desirable risk should be over the age of 40, has never had a policy lapse, and insures a new vehicle. Someone who fits that profile receives the best car insurance rates in Phoenix and will also save quite a bit of money when switching.
Potential insureds who are not a match for the requirements will have to pay a more expensive rate and this results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” save that much when switching. That is how companies can truthfully make the claims of big savings.
Because of these techniques, it is so important to compare price quotes frequently. It is impossible to guess which auto insurance company will provide you with the cheapest Subaru Crosstrek insurance in Phoenix.
Quote more and you will save more
Cheap Subaru Crosstrek insurance in Phoenix is available from both online companies in addition to many Phoenix insurance agents, so you need to quote Phoenix car insurance with both to have the best selection. Some companies do not provide internet price quotes and most of the time these regional carriers provide coverage only through independent insurance agents.
When getting Phoenix car insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your strategy should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.
Additional learning opportunities
- Auto Insurance Learning Center (State Farm)
- How Much are Phoenix Car Insurance Quotes for Teachers? (FAQ)
- What Car Insurance is Cheapest for Drivers Requiring a SR22 in Phoenix? (FAQ)
- What is a Telematics Device? (Allstate)
- Auto Crash Statistics (Insurance Information Institute)